Financing a Mattress in St. Louis, MO

Financing a Mattress

Financing a Mattress is Easy

As long as you understand your options

There are mattress options to fit a wide range of budgets. But even at the low end, a mattress can be an expensive purchase. That is why financing a mattress is such an appealing option. Shoppers are able to upgrade their bed on their schedule and choose from a wider range of options, all without leaving a hole in their budget.

Find out just how easy financing a mattress can be and decide for yourself if it’s time to get the process started.

Access Credit Card Offers from the Mattress Manufacturer

Many mattress manufacturers offer incentives in the form of special credit card offers. Shoppers who purchase select mattresses are rewarded with a period of interest free payments. After the period has expired, interest is charged on any remaining balance. Savvy shoppers can save a lot of money this way, but it’s important to explore the terms carefully.

Find out if there is an annual fee, what kind of penalties are in place for late payments, and if any conditions must be met. You can likely get these answers directly from the manufacturer or from your mattress sales associate.

Take Out an Installment Loan

If you prefer to avoid going though a credit card company, financing a mattress with an installment loan is an option. This simple loan agreement obligates you to make scheduled payments over a set period of time.

Mattress buyers that do some careful research will be able to find attractive loan offers with flexible options and generous terms. Installment loans are available from most lending agencies.

Utilize In-Store Financing OptionsFinancing a Mattress

Most mattress retailers offer some sort of in-store financing.

In many cases, this is an attractive option because the retailers offer interest-free periods and other incentives.  Tweet This

If the retailer relies on an outside lending agency to handle financing for them, you may be able to get better terms simply because these agencies work with so many lenders and benefit from economies of scale.

Look for Layaway Offers

Layaway plans are becoming increasingly common at mattress retailers, and for some mattress buyers they represent the best option for financing a mattress.

Typically the buyer will have to put a certain percentage of the mattress price down as a deposit and then will have to make regular payments over a period of 90 days. The terms of layaway deals vary widely, so be sure to investigate the details carefully before committing to one.

Financing a Mattress is Easy at Sleep Solutions

At Sleep Solutions, we are committed to helping you find the right mattress for your sleep needs and the right financing option for your budget. Work with one of our certified sleep geeks to explore your many options in depth.  Save even more by checking for deals and special offers before you start shopping.


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